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Recent Success Stories


Can I use my credit card after bankruptcy?

Monday, March 24, 2014
Is it true that you have to wait three months after bankruptcy to charge on a credit card again? Three months? Nah. Assuming it's a Chapter 7 bankruptcy, you're free to use a credit card the same day you file and beyond. A Chapter 13 bankruptcy is a different story, though. If that's what you've filed, there is no specific waiting period, but rather a borrowing rule. While using a court  ..

Speed over to Rising Point Solutions

Friday, March 21, 2014
Speed over to Rising Point Solutions for ALL your credit needs. ..

How to Give Your Kid a Good Credit Score

Wednesday, March 19, 2014
Someday, your kid’s credit score will be his or hers alone. But in the meantime, if you want to give her a running start, there are things you can do to make sure those all-important digits start high, so your kid will work to maintain the scores rather than to build credit from scratch, which can be difficult. Happily, there are some ways to do that without putting your entire credit line a ..

The Big Tax Deadline You Never Heard Of

Monday, March 17, 2014
April 15 gets all the attention, but it’s not the only tax deadline. If you turned 70 1/2 in 2013 (or if someone in your family did), you’ve got an important one coming up. April 1 is the deadline for people who turned 70 1/2 to take their first annual required minimum distribution (RMD) from their individual retirement accounts and 401(k)s — you’re supposed to take it ..

Turn a black and white Friday into a colorful Friday

Friday, March 14, 2014

A New FICO Credit Score Is On Its Way

Wednesday, March 12, 2014
FICO announced Wednesday, last week, it would release its latest credit scoring model, called FICO Score 9, this summer. As with all credit scoring formulas, the idea is for this FICO Score 9 to be the best indication of consumers’ creditworthiness. Credit scores are predictive models that help lenders decide whether or not to approve a borrower for credit. To simplify what’s re ..

What is a Credit Card Delinquency?

Monday, March 10, 2014
If you learn only one thing about credit, let it be this: Pay your bills on time. Fail to do so, and you’ll have trouble getting loans or credit cards. Think of it this way: When you apply for a job, your potential employer looks at your resume and watches out for any indication you may not be a reliable employee. When you apply for a loan, your potential lender looks at your credit rep ..

Put a little sketch into your day

Friday, March 07, 2014

Time for a Mortgage? How to Know You're Ready for Home Ownership

Wednesday, March 05, 2014
As with most big decisions, you’ll need to weigh the benefits against the immediate and long-term time, energy and costs associated with owning a home. See how many of these statements apply to you and decide if buying a home is the right move for you. 1. Your rent is higher than a mortgage payment. The cost of renting, over time, can eclipse the cost of owning and maintaining a hom ..

9 questions to ask before buying your first home

Monday, March 03, 2014
While the dream of home ownership may have taken a beating during the recent recession, a majority of Americans still say that buying a house is in their life plan. And with good reason: home ownership is a key part of many individuals' long-term financial strategies, plays an important role in improving the health of the economy, and can provide much-needed space for growing families.  ..


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Disclaimer: Improvement of your credit score and/or particular results vary per client. We cannot guarantee any results or improvement as stated in our Guarantee Disclaimer. Following our best results practices and educational consulting, we do typically see improvement in credit scores.